Financial & Tax Architects, LLC
In its 13F for Q3 2024 (holdings as of September 30, 2024, filed November 13, 2024), Financial & Tax Architects, LLC reported 95 stock positions worth $389.0 million. Its top holding was SS SPDR S&P 500 ETF Trust-US (SPY) at 5.5% of the portfolio, followed by SS SPDR BB 1-3M T-Bill ETF (BIL, 5.3%) and iShares MSCI Eafe ETF (EFA, 5.0%). Compared with Q2 2024, it opened 16 new positions, sold out of 3, added to 23 and reduced 53. The biggest buy was a new position in iShares Core US REIT ETF (USRT) and the biggest sale Abrdn Bloomberg All Commodit (BCI, shares −98%).
- Most Recent 13F
- Q2 2026
- Location
- ST LOUIS, MO
- CIK
- 0001758543
- Portfolio Value
- $389.0M (Q3 2024)
- SEC Filing
- 0001214659-24-018843 ↗ filed Nov 13, 2024
Holdings Value
Holdings 95 stocks · $389.0M
| SPY SS SPDR S&P 500 ETF Trust-US | 5.52% | 37,457 | $21.5M | Reduce -2.9% |
| BIL SS SPDR BB 1-3M T-Bill ETF | 5.32% | 225,398 | $20.7M | Reduce -2.5% |
| EFA iShares MSCI Eafe ETF | 4.97% | 231,301 | $19.3M | Reduce -2.1% |
| IEF iShares 7-10 Year Treasury B | 4.75% | 188,170 | $18.5M | Add +0.5% |
| USRT iShares Core US REIT ETF | 4.62% | 291,874 | $18.0M | New |
| AGG iShares Core U.S. Aggregate | 4.16% | 159,733 | $16.2M | Reduce -7.5% |
| PCY Invesco Emerging Markets Sov | 3.71% | 671,270 | $14.4M | Reduce -10.4% |
| VTI VG Morningstar TS MKT ETF-US | 3.62% | 49,777 | $14.1M | Reduce -17.2% |
| NOBL Proshares S&P 500 Dividend A | 3.43% | 125,094 | $13.4M | Reduce -11.1% |
| BND Vanguard Total Bond Market | 3.16% | 163,473 | $12.3M | Add +11.3% |
| VGLT Vanguard Long-Term Treasury | 2.30% | 145,193 | $8.9M | New |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 2.00% | 35,117 | $7.8M | Reduce -4.6% |
| WMT Walmart Inc. | 1.96% | 94,499 | $7.6M | Reduce -9.1% |
| LOW Lowe's Cos Inc. | 1.83% | 26,274 | $7.1M | Reduce -2.6% |
| ABBV Abbvie Inc. | 1.80% | 35,420 | $7.0M | Reduce -5.7% |
| CAT Caterpillar Inc. | 1.79% | 17,814 | $7.0M | Reduce -1.4% |
| SPGI S&P Global Inc. | 1.78% | 13,428 | $6.9M | Reduce -7.7% |
| SHW The Sherwin-Williams Co. | 1.77% | 18,068 | $6.9M | Reduce -4.3% |
| NEE Nextera Energy Inc. | 1.75% | 80,338 | $6.8M | Reduce -2.6% |
| MCD McDonald's Corp. | 1.73% | 22,126 | $6.7M | Reduce -0.1% |
| TIP iShares Tips Bond ETF | 1.73% | 60,925 | $6.7M | Reduce -9.2% |
| KO The Coca-Cola Co. | 1.72% | 93,267 | $6.7M | Reduce -3.9% |
| ADP Automatic Data Processing | 1.67% | 23,521 | $6.5M | Reduce -4.3% |
| MDT Medtronic PLC | 1.66% | 71,650 | $6.5M | Reduce -0.7% |
| ABT Abbott Laboratories | 1.65% | 56,209 | $6.4M | Reduce -0.6% |
| JNJ Johnson & Johnson | 1.63% | 39,186 | $6.4M | Reduce -0.5% |
| PG The Procter & Gamble Co. | 1.63% | 36,599 | $6.3M | Reduce -2.5% |
| CL Colgate-Palmolive Co. | 1.62% | 60,636 | $6.3M | Reduce -2.2% |
| XOM Exxon Mobil Corp. | 1.58% | 52,400 | $6.1M | Reduce -1.5% |
| GD General Dynamics Corp. | 1.50% | 19,338 | $5.8M | Add +0.6% |
| PEP Pepsico Inc. | 1.49% | 34,108 | $5.8M | Add +0.9% |
| CVX Chevron Corp. | 1.47% | 38,788 | $5.7M | Add +2.8% |
| VTWO Vanguard Russell 2000 ETF | 1.10% | 47,687 | $4.3M | Reduce -16.1% |
| NVDA Nvidia Corp. | 1.07% | 34,251 | $4.2M | Reduce -0.0% |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | 0.85% | 41,313 | $3.3M | Add +15.7% |
| USHY iShares Broad Usd High Yield | 0.83% | 86,023 | $3.2M | Add +9.3% |
| HYS PIMCO 0-5 Year H/Y Corp. Bond | 0.80% | 32,561 | $3.1M | Add +8.7% |
| IAU iShares Gold Trust | 0.71% | 55,693 | $2.8M | Reduce -3.5% |
| AAPL Apple Inc. | 0.68% | 11,326 | $2.6M | Add +20.6% |
| VNQ Vanguard Real Estate ETF | 0.64% | 25,521 | $2.5M | Reduce -1.3% |
| GBIL Goldman Sachs Access Treasur | 0.62% | 23,877 | $2.4M | Reduce -49.0% |
| TLH iShares 10-20 Year Treasury | 0.61% | 21,870 | $2.4M | New |
| SCHR Schwab Intermediate-Term US | 0.59% | 45,055 | $2.3M | Add +0.4% |
| MSFT Microsoft Corp. | 0.58% | 5,233 | $2.3M | Add +3.4% |
| FTSD Franklin Short Duration U.S. | 0.57% | 24,466 | $2.2M | Reduce -18.2% |
| VLUE iShares MSCI USA Value Facto | 0.54% | 19,186 | $2.1M | Reduce -17.7% |
| META Meta Platforms Inc. Class A | 0.41% | 2,777 | $1.6M | Add +1.7% |
| SGOL Abrdn Physical Gold Shares | 0.40% | 61,974 | $1.6M | New |
| AMZN Amazon.com Inc. | 0.39% | 8,101 | $1.5M | Reduce -2.9% |
| AVGO Broadcom Inc. | 0.37% | 8,388 | $1.4M | Reduce -9.3% |
| COST Costco Wholesale Corp. | 0.37% | 1,623 | $1.4M | Add +2.3% |
| GOOG Alphabet Inc. Class C | 0.35% | 8,117 | $1.4M | Add +1.1% |
| NFLX Netflix Inc. | 0.33% | 1,816 | $1.3M | New |
| EWM iShares MSCI Malaysia ETF | 0.33% | 47,128 | $1.3M | Reduce -30.9% |
| ASML ASML Holding NV-NY Reg SHS | 0.31% | 1,426 | $1.2M | Add +7.6% |
| IVV iShares Core S&P 500 ETF | 0.28% | 1,876 | $1.1M | New |
| XLU St Sr Utl SL SE SPDR ETF-Usd | 0.20% | 9,638 | $779K | Reduce -8.6% |
| XLF SS Financial Select Sector | 0.18% | 15,148 | $687K | Reduce -7.5% |
| XLI SS Industrial Select Sector | 0.17% | 4,973 | $674K | Reduce -7.1% |
| VOX Vanguard Communication Servi | 0.17% | 4,554 | $662K | Reduce -8.1% |
| IYR iShares US Real Estate ETF | 0.17% | 6,354 | $647K | Reduce -6.0% |
| XLP SS Consumer Staples Sel Sect | 0.16% | 7,679 | $637K | Reduce -7.8% |
| PNR Pentair PLC | 0.16% | 6,513 | $637K | Add +4.9% |
| XLY SS Consumer Disc Select Sect | 0.16% | 3,167 | $635K | Reduce -6.7% |
| XLK SS Technology Select Sector | 0.16% | 2,796 | $631K | Reduce -12.3% |
| XLV SS Health Care Select Sector | 0.16% | 4,098 | $631K | Reduce -7.2% |
| XLB SS Materials Select Sector | 0.16% | 6,393 | $616K | Reduce -6.8% |
| FM iShares Frontier and Select | 0.16% | 22,304 | $614K | Reduce -20.3% |
| SAP Sap SE-Sponsored ADR | 0.16% | 2,660 | $609K | Add +1.5% |
| UL Unilever PLC | 0.16% | 9,303 | $604K | Add +2.1% |
| SNY Sanofi-ADR | 0.15% | 10,299 | $594K | Add +6.0% |
| XLE SS Energy Select Sector | 0.15% | 6,633 | $582K | Reduce -5.8% |
| CB Chubb Ltd. | 0.15% | 1,971 | $569K | Add +6.7% |
| AMCR Amcor PLC | 0.15% | 50,145 | $568K | Add +4.6% |
| INFY Infosys Ltd.-SP ADR | 0.15% | 25,503 | $568K | Reduce -5.0% |
| LIN Linde PLC | 0.15% | 1,187 | $566K | Add +10.5% |
| NVS Novartis AG-Sponsored ADR | 0.14% | 4,839 | $557K | Add +2.9% |
| BTI British American Tob-SP ADR | 0.13% | 14,335 | $524K | New |
| UNH Unitedhealth Group Inc. | 0.13% | 868 | $508K | No change |
| HD Home Depot Inc. | 0.13% | 1,200 | $486K | No change |
| GSY Invesco Ultra Short Duration | 0.11% | 8,856 | $444K | Reduce -37.7% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.11% | 1,733 | $411K | New |
| QQQ Invesco QQQ Trust Series 1 | 0.10% | 836 | $408K | New |
| BCI Abrdn Bloomberg All Commodit filed as ABRDN ETFS | 0.10% | 19,437 | $397K | Reduce -97.9% |
| BSV Vanguard Short-Term Bond ETF | 0.09% | 4,621 | $364K | Reduce -52.1% |
| SCHD Schwab US DVD Equity ETF | 0.09% | 4,301 | $364K | New |
| KXI iShares Global Consumer Stap | 0.08% | 5,023 | $330K | New |
| IGF iShares Global Infrastructur | 0.08% | 5,679 | $309K | New |
| OUNZ Vaneck Merk Gold ETF | 0.07% | 11,130 | $283K | New |
| VDE Vanguard Energy ETF | 0.07% | 2,259 | $277K | Reduce -11.1% |
| MA Mastercard Inc. Class A | 0.07% | 539 | $266K | No change |
| ARGT Global X MSCI Argentina ETF | 0.06% | 3,669 | $243K | New |
| IVE iShares S&P 500 Value ETF | 0.06% | 1,144 | $226K | New |
| VCSH Vanguard S/T Corp. Bond ETF | 0.05% | 2,610 | $207K | Reduce -98.0% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.05% | 780 | $206K | New |
Portfolio Sells Q2 2024 → Q3 2024
| BCI Abrdn Bloomberg All Commodit | Reduce -97.9% | 0.10% | −4.93 |
| VCSH Vanguard S/T Corp. Bond ETF | Reduce -98.0% | 0.05% | −2.60 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -17.2% | 3.62% | −0.69 |
| GBIL Goldman Sachs Access Treasur | Reduce -49.0% | 0.62% | −0.64 |
| EPOL iShares MSCI Poland ETF | Sold out | 0.00% | −0.40 |
| BIL SS SPDR BB 1-3M T-Bill ETF | Reduce -2.5% | 5.32% | −0.37 |
| AGG iShares Core U.S. Aggregate | Reduce -7.5% | 4.16% | −0.34 |
| PCY Invesco Emerging Markets Sov | Reduce -10.4% | 3.71% | −0.31 |
| AMD Advanced Micro Devices | Sold out | 0.00% | −0.30 |
| NOBL Proshares S&P 500 Dividend A | Reduce -11.1% | 3.43% | −0.19 |
| TIP iShares Tips Bond ETF | Reduce -9.2% | 1.73% | −0.19 |
| VTWO Vanguard Russell 2000 ETF | Reduce -16.1% | 1.10% | −0.15 |
| NVO Novo-Nordisk A/S-Spons ADR | Sold out | 0.00% | −0.15 |
| FTSD Franklin Short Duration U.S. | Reduce -18.2% | 0.57% | −0.15 |
| VLUE iShares MSCI USA Value Facto | Reduce -17.7% | 0.54% | −0.11 |
| BSV Vanguard Short-Term Bond ETF | Reduce -52.1% | 0.09% | −0.10 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -2.9% | 5.52% | −0.10 |
| EWM iShares MSCI Malaysia ETF | Reduce -30.9% | 0.33% | −0.08 |
| GSY Invesco Ultra Short Duration | Reduce -37.7% | 0.11% | −0.08 |
| NVDA Nvidia Corp. | Reduce -0.0% | 1.07% | −0.07 |
| XOM Exxon Mobil Corp. | Reduce -1.5% | 1.58% | −0.06 |
| FM iShares Frontier and Select | Reduce -20.3% | 0.16% | −0.05 |
| AMZN Amazon.com Inc. | Reduce -2.9% | 0.39% | −0.04 |
| XLK SS Technology Select Sector | Reduce -12.3% | 0.16% | −0.03 |
| PG The Procter & Gamble Co. | Reduce -2.5% | 1.63% | −0.03 |
| AVGO Broadcom Inc. | Reduce -9.3% | 0.37% | −0.03 |
| XLE SS Energy Select Sector | Reduce -5.8% | 0.15% | −0.02 |
| VDE Vanguard Energy ETF | Reduce -11.1% | 0.07% | −0.02 |
| VOX Vanguard Communication Servi | Reduce -8.1% | 0.17% | −0.01 |
| XLV SS Health Care Select Sector | Reduce -7.2% | 0.16% | −0.01 |
| XLP SS Consumer Staples Sel Sect | Reduce -7.8% | 0.16% | −0.01 |
| XLB SS Materials Select Sector | Reduce -6.8% | 0.16% | −0.00 |
| XLF SS Financial Select Sector | Reduce -7.5% | 0.18% | −0.00 |
| XLY SS Consumer Disc Select Sect | Reduce -6.7% | 0.16% | −0.00 |
| XLI SS Industrial Select Sector | Reduce -7.1% | 0.17% | −0.00 |
| CL Colgate-Palmolive Co. | Reduce -2.2% | 1.62% | +0.01 |
| IYR iShares US Real Estate ETF | Reduce -6.0% | 0.17% | +0.01 |
| XLU St Sr Utl SL SE SPDR ETF-Usd | Reduce -8.6% | 0.20% | +0.01 |
| EFA iShares MSCI Eafe ETF | Reduce -2.1% | 4.97% | +0.01 |
| INFY Infosys Ltd.-SP ADR | Reduce -5.0% | 0.15% | +0.01 |
| IAU iShares Gold Trust | Reduce -3.5% | 0.71% | +0.03 |
| SPGI S&P Global Inc. | Reduce -7.7% | 1.78% | +0.04 |
| VNQ Vanguard Real Estate ETF | Reduce -1.3% | 0.64% | +0.06 |
| KO The Coca-Cola Co. | Reduce -3.9% | 1.72% | +0.07 |
| ABBV Abbvie Inc. | Reduce -5.7% | 1.80% | +0.07 |
| ABT Abbott Laboratories | Reduce -0.6% | 1.65% | +0.07 |
| WMT Walmart Inc. | Reduce -9.1% | 1.96% | +0.07 |
| JNJ Johnson & Johnson | Reduce -0.5% | 1.63% | +0.09 |
| ADP Automatic Data Processing | Reduce -4.3% | 1.67% | +0.10 |
| MDT Medtronic PLC | Reduce -0.7% | 1.66% | +0.14 |
Portfolio Buys Q2 2024 → Q3 2024
| USRT iShares Core US REIT ETF | New | 4.62% | +4.62 |
| VGLT Vanguard Long-Term Treasury | New | 2.30% | +2.30 |
| TLH iShares 10-20 Year Treasury | New | 0.61% | +0.61 |
| SGOL Abrdn Physical Gold Shares | New | 0.40% | +0.40 |
| NFLX Netflix Inc. | New | 0.33% | +0.33 |
| BND Vanguard Total Bond Market | Add +11.3% | 3.16% | +0.32 |
| IVV iShares Core S&P 500 ETF | New | 0.28% | +0.28 |
| AAPL Apple Inc. | Add +20.6% | 0.68% | +0.15 |
| BTI British American Tob-SP ADR | New | 0.13% | +0.13 |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | Add +15.7% | 0.85% | +0.11 |
| VB Vanguard Most SM-Cap ETF-Usd | New | 0.11% | +0.11 |
| QQQ Invesco QQQ Trust Series 1 | New | 0.10% | +0.10 |
| SCHD Schwab US DVD Equity ETF | New | 0.09% | +0.09 |
| KXI iShares Global Consumer Stap | New | 0.08% | +0.08 |
| IGF iShares Global Infrastructur | New | 0.08% | +0.08 |
| OUNZ Vaneck Merk Gold ETF | New | 0.07% | +0.07 |
| USHY iShares Broad Usd High Yield | Add +9.3% | 0.83% | +0.07 |
| ARGT Global X MSCI Argentina ETF | New | 0.06% | +0.06 |
| IVE iShares S&P 500 Value ETF | New | 0.06% | +0.06 |
| HYS PIMCO 0-5 Year H/Y Corp. Bond | Add +8.7% | 0.80% | +0.05 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | New | 0.05% | +0.05 |
| IEF iShares 7-10 Year Treasury B | Add +0.5% | 4.75% | +0.05 |
| META Meta Platforms Inc. Class A | Add +1.7% | 0.41% | +0.04 |
| PNR Pentair PLC | Add +4.9% | 0.16% | +0.04 |
| SNY Sanofi-ADR | Add +6.0% | 0.15% | +0.03 |
| UL Unilever PLC | Add +2.1% | 0.16% | +0.02 |
| AMCR Amcor PLC | Add +4.6% | 0.15% | +0.02 |
| CB Chubb Ltd. | Add +6.7% | 0.15% | +0.02 |
| LIN Linde PLC | Add +10.5% | 0.15% | +0.02 |
| SAP Sap SE-Sponsored ADR | Add +1.5% | 0.16% | +0.01 |
| NVS Novartis AG-Sponsored ADR | Add +2.9% | 0.14% | +0.01 |
| COST Costco Wholesale Corp. | Add +2.3% | 0.37% | +0.01 |
| GD General Dynamics Corp. | Add +0.6% | 1.50% | +0.01 |
| SCHR Schwab Intermediate-Term US | Add +0.4% | 0.59% | −0.00 |
| PEP Pepsico Inc. | Add +0.9% | 1.49% | −0.00 |
| MSFT Microsoft Corp. | Add +3.4% | 0.58% | −0.03 |
| GOOG Alphabet Inc. Class C | Add +1.1% | 0.35% | −0.05 |
| ASML ASML Holding NV-NY Reg SHS | Add +7.6% | 0.31% | −0.06 |
| CVX Chevron Corp. | Add +2.8% | 1.47% | −0.11 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 110 | $474.3M | FBND, USRT, EFA, SPY, BCI |
| Q1 2026 | 108 | $448.4M | VTI, BCI, EFA, USRT, SPY |
| Q4 2025 | 103 | $445.0M | VTI, EFA, SPY, IEF, USRT |
| Q3 2025 | 104 | $453.1M | EFA, FBND, SPY, BCI, USRT |
| Q2 2025 | 93 | $411.7M | BIL, EFA, SPY, IEF, VTI |
| Q1 2025 | 101 | $398.4M | SPY, BCI, EFA, IEF, USRT |
| Q4 2024 | 103 | $392.6M | BIL, SPY, IEF, USRT, AGG |
| Q3 2024 | 95 | $389.0M | SPY, BIL, EFA, IEF, USRT |
| Q2 2024 | 82 | $373.0M | BIL, SPY, BCI, EFA, IEF |
| Q1 2024 | 85 | $363.4M | SPY, EFA, USRT, BCI, IEF |